We know that understanding insurance benefits or obtaining necessary authorizations to begin treatment can be very confusing. To minimize financial anxiety, it is important to understand the processes that are required by your insurance plan.
We know that understanding insurance benefits or obtaining necessary authorizations to begin treatment can be very confusing. To minimize financial anxiety, it is important to understand the processes that are required by your insurance plan. If you are an HMO medical group patient, you must have an authorization from either your Primary Care Physician or your Ob/Gyn before you are able to see one of our physicians. Once you are an established patient, you will contact NCFMC to initiate the process for all treatment authorizations.
The following are current insurance plans contracted with Northern California Fertility Medical Center:
Patients with Kaiser insurance are generally out of pocket pay (as it is through Kaiser Permanente Center for Reproductive Health). NCFMC IVF prices are lower often saving thousands of dollars. Some of your basic testing may be completed at Kaiser and will be covered depending on your plan. We also have package discounts on medications.
For ALL future patients, be your own insurance advocate. Get to know your insurance plan. Obtain a copy of your evidence of coverage booklet that has a detailed listing of included/excluded benefits. Take the time to read your policy. It is better to know what your insurance company will pay before you receive a service, have testing, or fill a prescription. Determine your exclusions for coverage.
“Infertility services excluded” means that you do not have coverage for diagnostic procedures/testing or treatment. If you still have questions about your coverage, call your insurance company and ask a representative to explain it.
NCFMC also offers several different financing options for our patients.